Paisayaar: Leading financial platform in Pakistan. Flexible lending, 24/7 online verification, no collateral. Convenient, secure, and reliable.
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In an increasingly connected and flexible world, financial services are undergoing innovation to meet the demands of modern users. Amidst the diverse choices, Paisayaar stands out as a notable application in Pakistan. Registered and authorized by the Securities and Exchange Commission of Pakistan (SECP), Paisayaar not only provides quick and flexible lending services but also helps address a range of personal financial issues conveniently and securely.

With flexible loan terms, a variety of lending amounts, and streamlined processes, Paisayaar aims to bring convenience and reliability to users. No longer do users have to endure extended waiting times or encounter complex barriers when in need of financial capital. With just a mobile application, you can generate personal loans right at your fingertips.

Join us in exploring how the Paisayaar App makes financial services easier and more convenient than ever before.

Pros and Cons of Paisayaar


  • The application offers flexible loan terms and amounts, allowing users to customize according to their financial needs.
  • Registration and application submission through the Paisayaar mobile app are designed to be simple and convenient, saving time for users.
  • The 24/7 online verification capability speeds up the approval process, providing convenience and flexibility for borrowers.
  • Paisayaar does not require collateral assets, opening up opportunities for individuals without collateral to access financial services.
  • The app commits to personal information security and adheres to high-security standards.
  • Clear and easily accessible customer service contact information.


  • Despite providing flexibility, Paisayaar applies relatively high maximum annual fee rates, resulting in significant interest costs for borrowers.
  • The maximum borrowing limit of 100,000 Rs may limit the ability to meet larger financial needs of users.
  • Repaying debts through the Easypaisa app could create dependence on a third-party application.

Detailed Information about the Loan Product

Loan Term

Paisayaar offers loan terms ranging from 91 to 180 days. This flexible timeframe allows users to customize their borrowing according to their financial needs.

Loan Amount

Paisayaar’s loan product enables users to borrow from Rs. 2,000 to Rs. 100,000. This provides diversity and flexibility to address various financial requirements.

Maximum Annual Percentage Rate (APR)

Paisayaar applies a maximum Annual Percentage Rate (APR) of 24% per year. This indicates the financial cost to be paid when utilizing the lending service.

Calculation of Borrowing Costs

Borrowing costs are calculated based on the Annual Percentage Rate and the loan duration. Users can use calculation tools to accurately determine the borrowing costs for a specific loan amount.

Online Loan Application Process at Paisayaar

Loan Eligibility Criteria

  • Users must be between 18 and 60 years old and citizens of Pakistan.
  • Have a stable monthly income.
  • Provide accurate and complete personal information.
  • Provide documents such as images of national ID card or other identification papers for identity verification.

Quick Loan Application Guide

To apply for a loan at Paisayaar, users need to follow these instructions:

Step 1: Download and install the Paisayaar APK/IOS on your mobile phone, the app is compatible with both Android and IOS.

Step 2: Open the app and register an account by providing the following required personal information:

  • First and Last Name
  • Date of Birth
  • Address
  • Email
  • Phone Number
  • Bank Account (Any domestic bank is acceptable)
  • App Password

Step 3: Verify your account by providing additional information and taking photos of the front and back of your ID card.

Step 4: Choose the appropriate loan package and provide information about the desired loan amount and repayment period.

Step 5: Once the loan request is approved, the borrowed amount will be transferred to the customer’s account within a few minutes.

Note: To ensure their rights, customers should carefully read the terms and conditions before applying for a loan at Paisayaar. Additionally, it’s essential to select a loan package that aligns with their needs and repayment capabilities to avoid risks during the borrowing process.

Notes when Borrowing Money from Paisayaar

  • Ensure you read and understand Paisayaar’s terms and conditions thoroughly before borrowing. This will help you have a precise understanding of interest rates, loan amounts, and other regulations.
  • Establish a specific repayment plan before borrowing. This will assist you in managing your personal finances effectively and avoiding missed payments.
  • Understand the interest rates and related fees. Calculate the costs beforehand to know exactly the amount you’ll need to repay after the loan term.
  • Borrow only the amount you genuinely need, avoiding borrowing excessively which might lead to repayment difficulties later.
  • Utilize the borrowed funds for useful and necessary purposes, avoiding unnecessary expenditures.
  • If you have any questions or uncertainties, don’t hesitate to contact Paisayaar’s customer service for clarification.

Contact Information

  • Company Name: JingleCred Digital Finance Limited
  • Primary Business Area: Nano Lending
  • Company Status: NBFC (Non-Banking Financial Company) – Financial Services and Investments
  • License Number: SECP/LRD/78/JDFL/2022-85
  • License Issuance Date: March 10, 2023
  • Product Name: Paisayaar
  • Contact via Email: [email protected]
  • Contact via Phone: 051-111-883-883
  • Service Hours: 9:00 AM – 6:00 PM
  • Address: Fortune Residency, Ground Floor, Street no. 26, National Police Foundation, E11/4, Islamabad, Pakistan

If you need assistance or have any questions regarding Paisayaar’s products and services, feel free to reach out via the provided email or phone number.


Paisayaar is not only a reliable financial service platform in Pakistan but also a true utility in personal financial management. With a simple and flexible lending and repayment process, coupled with a commitment to personal information security, Paisayaar brings convenience and safety to users. It not only addresses short-term financial needs but also helps users build and maintain positive financial habits through intelligent financial management. Trust in the reliability of Paisayaar when you need a quick and easy financial solution.

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